Frequently Asked Questions

Below are some of the most commonly asked questions about the bankruptcy process and my services.‎

You will speak directly to me. I will be handling your case from start to finish. When we speak on the phone, I will ask you some questions to find out information about your circumstances. Then, I will give you an idea of how I may be able to help you. For example, I might recommend that you file a Chapter 7 or Chapter 13 Bankruptcy, that you apply for a loan modification or that you choose another course of action. We will set an appointment for an in office consultation.

If a bankruptcy is right for you, you can generally wipe out credit card debt, medical bills, and other professional service bills. You might be able to wipe out a second mortgage and possibly IRS debt.

A Chapter 7 Bankruptcy is considered a straight discharge. There is typically no payment plan, and all of the debt is usually wiped out. A Chapter 13 is a reorganization where you make monthly payments for a period of time and then receive a discharge of your debt.

There are several reasons to file a Chapter 13 Bankruptcy rather than a Chapter 7 Bankruptcy. First, you may not qualify for a Chapter 7 bankruptcy because your income or assets may be too high. Even if you qualified for a Chapter 7 Bankruptcy, you may choose to file a Chapter 13 Bankruptcy in order to manage your mortgage, or homeowners’ association dues or deal with tax liability.

Contact Kim to find out if you can secure a fresh start.

I would be happy to speak to you on the phone about your particular situation and meet with you in person as well. If you would like to speak to me right away, please email me at [email protected] with your phone number.